I think most of us should have read the product brochure. I was dearly unhappy and the investments did not work then I meet with one of devere's advisors. He is looking after me and performed fantastic last year.29% in one year! He explained that 2014 will probably not be the same and made some changes to the portfolio.Currently we are investing in Frontier and Emerging Markets. He was right again. India went up by 21% in 3 month...Guys I recently think it depends on the individual you are working with. My guy is a german. He is really good.